Is actually the Apple SIM, that they launched today. Pretty clever move. Have a SIM that could connect to a bunch of mobile carriers, being sold as ‘agnostic’ but with close ties to the partner network (revenue sharing), creating a seamless experience with the consumer. It’s an activated, mobile ready device out of the shelf. Good work Apple!

So, what is now the current status of Apple Pay and Apple Sim ? Well, this one:

Screen Shot 2014-10-17 at 00.22.10

Pretty looking picture. Nice future for a vendor lock in perspective, rather nasty thing for consumers and probably some problems with European regulation and monopoly (everyone remembers IE on Windows). With a full framework of services Apple tackles banks, sends mobile carriers into the deepest dumb pipes ever, knows consumer data and their buying habits and creates a virtual layer of moving currency on top of credit card companies.